Renters Insurance Aurora CO There are more cars and drivers on the road every year. This could lead to an increased likelihood of a collision for you and your family. Automobile insurance can make the difference between a minor setback and a large trial. But why do you need insurance and just how much should you purchase? Auto insurance provides you with protection from paying for damage caused to your vehicle or someone else’s vehicle and injury to others, yourself, or passengers in your car, plus specific other occurrences, such as theft. No matter where you live, you are required to purchase some type of auto insurance. By not owning insurance, you risk having to pay the full price of any harm you cause others. Liability: Bodily injury and property damage that you are responsible for will be paid for under this type of insurance. Damages from bodily injury can include medical fees, and lost wages. Property damage can refer to damaged property and loss of use of property. If you are in legal trouble, this type of insurance will pay for your court costs. Recommended, higher levels of liability insurance are available that cover more events than the stripped-down, state-mandated insurance. Personal Injury Protection: Personal injury protection pays for hospital bills and other medical treatment for you or other people in your car, no matter who was at fault in the crash. It is mandated in some states and optional in others. This insurance may also cover lost wages, service replacement and funeral expenses. The minimum amount of personal injury protection is usually set by local government. Medical Payments: Medical payment coverage is available in non-no-fault states; it will pay despite who carries responsibility for a collision. All necessary medical or funeral expenses will be paid for under this insurance coverage. Collision: Damages resulting from a collision will be paid for under this type of car insurance. Comprehensive: Cover your vehicle from damages from other sources when you buy this type of coverage. This may include protection from theft, vandalism, and weather damage. Uninsured Motorist: Pays for damages when someone with insurance is in a crash caused by a driver who does not have liability coverage. Under-Insured Motorist: Similar to uninsured coverage, this type of insurance covers you from drivers without enough insurance protection. Emergency road service, car rental, and other types of coverage can also be purchased. Your car insurance payments vary by company and will depend on several factors, including: *Your selected coverage *Your vehicle’s make and model * Whether or not you have been in an accident * Your age, gender and marital status * Where you live Don’t wait around to buy auto insurance; you should never drive a car without it. Review your needs, do your research , and with the help of your insurance agent, make the decision that fits you best.